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Life Insurance For Extreme Sports

  • Life insurance for extreme sports enthusiasts
  • Premiums based on sport type and frequency
  • Specialist high-risk activity underwriting
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Life Insurance For Extreme Sports

Complete guide to life insurance for extreme sports participants. Yes, you can get life insurance if you participate in extreme sports like skydiving, rock climbing, base jumping, or wingsuit flying - but premiums vary significantly by sport type and frequency. Moderate-risk sports (skiing, paragliding, scuba diving) add 10-75% to premiums, while high-risk activities (base jumping, big wave surfing) add 75-150%+ or require specialist insurers. Full disclosure is critical - declared extreme sports are fully covered for accidents.

By: Ben Bendall Protection Expert Updated: 4th January 2026

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Extreme sport insurance protection UK

If you live life on the edge, then it's important to have adequate protection in place for your family should anything happen to you.

But having a dangerous hobby such as extreme sports can pose a physical risk that ordinary hobbies don't - which can affect your eligibility for life insurance.

Your chosen sport and details of your activities will help to determine how risky it is to insure you and the cost of your monthly premiums (if you're offered a policy).

Some insurers are better than others for covering those who take part in extreme sports, which is why it's important to compare multiple quotes.

At LifePro, we have a team of friendly experts who could assist you find the right policy at the best price we can offer from a panel of top UK insurers.

Our award-winning comparison service is fee-free. Safeguard your family's financial future with life insurance today.

Does life insurance cover extreme sports?

Yes, life insurance does cover extreme sports. Your life insurance will be valid as long as you disclose any extreme sports that you take part in during the application process.

Having a policy in place means that if you die due to an accident or from natural causes during the policy term, your family members can make a claim.

Engaging in extreme sports won't impact your life insurance once it's secured, but it could impact your eligibility and (if your application is accepted) how much you pay.

Every life insurance application is assessed on a case-by-case basis so your specific sport and details of your activities will determine the outcome.

Life insurance for extreme sports calculator

How much life insurance do you need for your family members? complete the costs you would like your policy to cover and calculate your ideal sum assured.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance For Extreme Sports, and find the right level of cover for your needs at the best available price.

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Best life insurance for extreme sports

Life insurance policies for extreme sportspeople are the same as for anyone else. The best policy for you will depend on your personal circumstances and needs.

At LifePro, we'll assist arrange different types of life insurance, including:

Frequently Asked Questions

Can I get life insurance if I do extreme sports?

Yes, you can get life insurance if you participate in extreme sports. Most insurers will accept applications but premiums vary significantly by sport: Lower-risk extreme sports (skiing, scuba diving, surfing) add 10-30% to premiums. Moderate-risk (skydiving, bungee jumping, paragliding) add 30-75%. High-risk (base jumping, wingsuit flying, big wave surfing) add 75-150%+ or may require specialist insurers. You MUST declare all activities.

Which extreme sports affect life insurance premiums most?

Highest risk (150%+ premium increases or declines): Base jumping, Wingsuit flying, Free solo climbing, Big wave surfing (15m+ waves). High risk (50-150% increases): Skydiving (especially HALO/tandem instructor), Cave diving, High-altitude mountaineering (8,000m+), Motocross racing. Moderate risk (30-75% increases): Paragliding, Hang gliding, Rock climbing (outdoor), Scuba diving (technical/deep). Lower risk (10-30% increases): Skiing/snowboarding, Surfing, Mountain biking, Indoor climbing.

Do I need to declare recreational extreme sports?

YES, you must declare ALL extreme sports activities, even if recreational or infrequent. Non-disclosure can result in: Complete claim rejection, Policy cancellation, No payout to beneficiaries, Potential fraud investigation. Declare even if you only participate occasionally (once a year). Insurers WILL investigate claims and check social media, medical records, and coroner reports.

Will my life insurance cover extreme sports accidents?

Yes, IF you declared the activity when applying. Declared extreme sports are fully covered - if you die participating in that sport, your beneficiaries receive the full payout. Undisclosed activities are NOT covered - claim will be rejected entirely. Some policies offer exclusions (lower premiums but no cover for that specific sport) - this is risky as your family gets nothing if you die doing that sport.

Can I get exclusions instead of paying higher premiums?

Some insurers offer activity exclusions as an alternative. This means: Lower premiums (standard or slightly increased), BUT no payout if death relates to the excluded sport. This is extremely risky - if you die in an accident involving that sport, your family receives nothing. Only consider exclusions if: You participate very infrequently (once every few years), The sport is low-risk, You have other life insurance covering your family. Generally, paying the higher premium for full cover is safer.

How can I get cheaper life insurance for extreme sports?

Tips to reduce premiums: 1) Use specialist brokers who know which insurers offer best rates for specific sports, 2) Reduce participation frequency (monthly vs weekly makes a difference), 3) Get professional qualifications/training (shows competence), 4) Use safety equipment consistently, 5) Avoid the highest-risk variants (e.g., tandem skydiving vs solo), 6) Stop smoking (already paying extra for sport - smoking doubles it), 7) Consider shorter terms or family income benefit (cheaper than level term).

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